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What if I can't provide proof of work when I buy a car with a loan?
In today's society, both traditional financial institutions and online lending platforms need borrowers to provide proof of work and income to apply for loans.
And some special freelancers, although earning a lot of money, have the ability to repay, but they have no definite jobs. When these people apply for loans, it is difficult for them to apply for personal loans. So how can a person like this apply for a loan quickly?
1. Provide effective bank flow.
Provide certificates of time deposits to banks and other lending institutions for at least three consecutive months. The deposit amount generally needs more than 3000 yuan, which proves that you have a stable monthly income, income sources and good repayment vouchers. In this case, lending institutions generally do not refuse loans.
Step 2 choose a mortgage loan
Freelancers cannot apply for unsecured credit loans, but they can choose mortgage loans. Mortgage is to mortgage its real estate, securities, stocks and national debt to lending institutions. It is worth mentioning that the interest of mortgage loans is much lower than that of credit loans.
3. Provide a good online shopping record.
Some institutions will not only refer to Sesame Credit, but also refer to Taobao shopping records. The borrower's shopping in Taobao shows that it has certain consumption demand ability, and it will also prove that the borrower has certain economic ability. In this case, borrowing money is generally not refused.
4. Choose secured loans
For example, some freelance writers and people who start small businesses do not have the conditions for stable jobs required by the loan platform, but their income is very high, even higher than those who have stable jobs. In this case, they can choose to find a guarantor or a guarantee institution to make a secured loan for them.
2. Will the bank check the loan and provide proof of work?
Apply for a loan and provide proof that the bank will not check it. The bank won't check, repay on time, and nothing will happen if it doesn't default. The authenticity of proof of income and normal repayment will not be checked. As long as there is an official seal on it, the family will not check it.